Riverside County property record for 190 N Torn Ranch Rd, Lake Elsinore, CA 92530
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,485 sqft · built 1983 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Oct 2010) |
| Tax Bill | $2,400 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Mar 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 389-260-002 |
| Primary APN | 389-260-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,485 sqft Living Area |
| Gross Area | 2,037 sqft |
| 1st Floor Area | 1,485 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Gravel |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 190 N TORN RANCH RD |
|---|---|
| City | LAKE ELSINORE |
| State | CA |
| Zip | 92530-1827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .17 ACRES IN POR LOTS 2 & 3 BLK 11 MB 011/499 SD TOWN OF LUCERNE |
| Legal Subdivision | TOWN OF LUCERNE |
| Legal Block | 11 |
| Legal Lot Number | 2 |
| Jurisdiction | RIVERSIDE CA |
| Township / Civil Division | ELSINORE VALLEY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43010 |
190 N Torn Ranch Rd is owned and occupied by two individuals who acquired it in October 2014.
Source: Riverside County records, as of July 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 15, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY BANK |
| Sep 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC |
| Dec 17, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC |
| Jun 10, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2010 · Amount on File |
| Deed Sale | Oct 29, 2010 · Amount on File |
| Prior Sale | Dec 26, 2008 · Amount on File |
| Deed Document Number | 2010519717 |
| Last Transfer Date | Oct 24, 2014 |
| Transfer Doc | 0000414724 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Document Number | 0000342610 |
|---|---|
| Date | Nov 15, 2023 |
| Instrument | 2023-0342610 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76155 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2023 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 1900 N TORN RANCH ROAD, LAKE ELSINORE, CA 92530 |
| Document Number | 0000092580 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 2023-0092580 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Document Number | 0000553824 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021-0553824 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | Oct 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000489072 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 2018-0489072 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000280124 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 2019-0280124 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RIVERSIDE CA |
| Property Address | 190 N TORN RANCH RD, LAKE ELSINORE, CA 92530-1827 |
| Document Number | 0000250814 |
| Instrument Date | Jun 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 190 N TORN RANCH RD LAKE ELSINORE CA 925301827, LAKE ELSINORE, CA 92530-1827 |
| Document Number | 0000250814 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 250814 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 190 N Torn Ranch Rd was $2,400.
Source: Riverside County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | California |
| County | Riverside County |
| Municipality | Lake Elsinore City |
| Unified School District | Lake Elsinore Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $224,153 (+2%) Land $84,929 Building $139,224 | ||
| 2025 | $2,400.00 | $219,759 Land $83,264 Building $136,495 | |
| 2023 | $2,265.00 (+1.94%) | $211,228 Land $80,032 Building $131,196 | |
| 2022 | $2,222.00 | ||
| 2021 | $385,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 N Torn Ranch Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Winter Storms And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 190 N Torn Ranch Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELSINORE VALLEY MWD serves 169,455 people · EPA ID CA3310012 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 568 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Accel Wireless Fixed Wireless | 100 / 25 |
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